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Fires are a significant hazard on construction sites. A November 2014 National Fire Protection Association report found that between 2007 and 2011, U.S. fire departments responded to an average of 5,120 structure fires in residential properties that were either under construction or undergoing major renovation. Each year, those fires led to an average of nine deaths, 94 injuries and $265 million in direct property damage. Firefighter deaths and injuries are not included in those statistics. But proper planning and monitoring can improve your chances of completing a project without incident.[.....]

The post Fire danger in the construction zone appeared first on The Cincinnati Insurance Companies blog.

Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause. RECOGNIZE THE RISKS When you understand the risks you face as a property owner and lessor, you can better manage them. Consider these scenarios: Natural perils – A tornado sweeps through town, damaging your building and your tenants’ contents. Fire –[.....]

The post Business tips: Controlling risks for property owners appeared first on The Cincinnati Insurance Companies blog.

Millions of Americans may be in danger from defective electrical equipment in their homes, yet may not be aware of the risk. If you reside in a home with electrical circuit breakers and panels installed in the mid-1950s through the early 1980s, have your equipment inspected and replaced, if necessary. During that period, Federal Electric, later known as Federal Pacific Electric Co. (FPE), manufactured electrical distribution equipment, including STAB-LOK circuit breakers and panels. A circuit breaker is designed to cut off the flow of electricity when there is excessive electrical demand[.....]

The post Consumer alert: Check your circuit breaker appeared first on The Cincinnati Insurance Companies blog.

How much does life insurance cost? Probably a lot less than you think. A recent LIMRA study found that 63 percent of consumers polled indicated that life insurance was too expensive, yet 80 percent of consumers overestimate its cost by nearly threefold. LIMRA is a leading insurance and financial services trade association. Today’s consumers have many sources of data at our disposal. We can research everything from pots to pains, yet many of us make incorrect assumptions about one of the most important and basic decisions concerning our family’s financial[.....]

The post Life insurance may be cheaper than you think appeared first on The Cincinnati Insurance Companies blog.

People go to the gym to get healthy. Members look for clubs with the right equipment, classes and trainers to help get their heart rate up and break a good sweat. But when users climb down from the elliptical machine or exercise bike, it’s all too easy to forget to wipe it down. Proper cleaning of your equipment and facility is vital to your health club’s business. In addition to keeping your members and staff healthy, you want to build your gym’s reputation as a well-maintained and clean facility. Educate[.....]

The post Keeping the ‘health’ in your health club appeared first on The Cincinnati Insurance Companies blog.